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International Personal Finance

Current Price 97.60p Bid 95.00p Ask 98.80p Change 4.95%
Last Updated: 04/12/2020 18:37. Prices delayed by at least 15 minutes.
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Company Overview

Credit lender International Personal Finance was established in 1997 as a division of Provident Financial. The unit was demerged in July 2007. It runs a lending business in eastern Europe and Mexico, with Poland, the Czech Republic, Hungary and Slovakia the largest and most established of its markets.

Financial Highlights Year Ended 31/12/2019

Revenue
£889.10m
Operating Profit/Loss
£177.50m
Dividend yield (%)
2.90
Total dividend for year
n/ap
Dividend cover
7.00
P/E Ratio
5.00

Key Personnel

Mr Gerard Ryan
Chief Executive Officer
Mr Justin Lockwood
Chief Financial Officer
Mr James Ormrod
Company Secretary
Mr Bronwyn Syiek
Independent Non-Executive Director
Mr Deborah Davis
Independent Non-Executive Director
Mr John Mangelaars
Independent Non-Executive Director
Mr Richard Holmes
Independent Non-Executive Director
Mr Richard Moat
Independent Non-Executive Director
Mr Stuart Sinclair
Independent Non-Executive Director
Ms Cathryn Riley
Independent Non-Executive Director
Ms Jayne Almond
Independent Non-Executive Director
Mr Anthony (Tony) J Hales
Senior Independent Non-Executive Director

Stock Details

EPIC
IPF
ISIN
GB00B1YKG049
Shares in Issue
223.74m
Market cap
£218.37m
Sector

Analyst Views (1)

Strong Buy
 
0%
Buy
 
100.00%
Hold
 
0%
Sell
 
0%
Strong Sell
 
0%
This information is provided by Web Financial Group (UK) Limited. It is subject to change without notice and doesn't reflect view held by Redmayne Bentley and is not advice.

Price Summary

Mid Price
97.60p
Bid Price
95.00p
Ask Price
98.80p
Volume
323,670
Change Today
4.60p
% Change Today
4.95%
Open
93.10p
Previous Close
97.60p
Intraday High
98.00p
Intraday Low
93.10p
52 Week High
179.80p
52 Week Low
32.55p
52 week high and low figures quoted above are calculated from intraday price data.

Intra-Day Chart

Income Statement

Year End Date
31 Dec 2019
31 Dec 2018
 
£ (M)
£ (M)
Continuing Operations
Revenue
889.10
866.40
Operating Profit/Loss
177.50
167.80
Net Interest
-63.50
-58.50
Pre-Tax Profit
114.00
109.30
Profit After Tax from continuing operations
71.80
75.40
Discontinued Operations
Profit After Tax
n/a
n/a
Profit/Loss for the Year
71.80
75.40
Attributable to:
Equity Holders of Parent Company
71.80
75.40
Minority Interests
n/a
n/a
Total Dividend Paid
n/ap
12.4000p
Retained Profit/(Loss) for the Financial Year
n/a
n/a

Earnings per Share

Year End Date
31 Dec 2019
31 Dec 2018
Basic
32.20p
33.80p
Diluted
30.30p
32.20p
Adjusted
32.20p
33.80p
Dividend per Share
n/ap
12.4000p

Assets

Year End Date
31 Dec 2019
31 Dec 2018
 
£ (M)
£ (M)
Non-Current Assets
Property, Plant & Equipment
38.80
19.90
Intangible Assets
66.30
62.50
Investment Properties
n/a
n/a
Investments
n/a
n/a
Other Financial Assets
n/a
n/a
Other Non-Current Assets
434.60
407.30
Current Assets
Inventories
n/a
n/a
Trade & Other Receivables
745.20
783.10
Cash at Bank & In Hand
37.40
46.60
Current Asset Investments
n/a
n/a
Other Current Assets
0.40
3.10
Other Assets
n/a
n/a
Total Assets
1,322.70
1,322.50

Liabilities

Year End Date
31 Dec 2019
31 Dec 2018
 
£ (M)
£ (M)
Current Liabilities
Borrowings
121.40
28.80
Other Current Liabilities
170.40
180.80
Total Current Liabilities
291.80
209.60
Non-Current Liabilities
Borrowings
574.50
669.50
Provisions
20.00
10.40
Other Non-Current Liabilities
n/a
n/a
Total Non-Current Liabilities
594.50
679.90
Other Liabilities
n/a
n/a
Total Liabilities
886.30
889.50

Net Assets

Year End Date
31 Dec 2019
31 Dec 2018
 
£ (M)
£ (M)
Net Assets
436.40
433.00

Capital & Reserves

Year End Date
31 Dec 2019
31 Dec 2018
 
£ (M)
£ (M)
Share Capital
23.40
23.40
Share Premium Account
n/a
n/a
Other Reserves
-57.30
-14.60
Retained Earnings
470.30
424.20
Shareholders Funds
436.40
433.00
Minority Interests/Other Equity
n/a
n/a
Total Equity
436.40
433.00

Dividend History

Type
Ex-Dividend Date
Payment Date
Payment
Interim
05 Sep 2019
04 Oct 2019
4.60p
Final
11 Apr 2019
10 May 2019
7.80p
Interim
06 Sep 2018
05 Oct 2018
4.60p
Final
12 Apr 2018
11 May 2018
7.80p
Interim
07 Sep 2017
06 Oct 2017
4.60p
Final
13 Apr 2017
12 May 2017
7.80p
Interim
01 Sep 2016
07 Oct 2016
4.60p
Final
07 Apr 2016
13 May 2016
7.80p
Interim
03 Sep 2015
02 Oct 2015
4.60p

Dividend Metrics

Year End Date
31 Dec 2019
31 Dec 2018
Dividend growth
-62.90%
n/a%
Dividend yield
2.90%
6.00%
Dividend cover
7.00
2.73
The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.
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